About RBS Classic credit card...
- Great for 0% balance transfers or spending
- Internet fraud securities
- RBS travel service discounts
A great offer on 0% balance transfers...
The Royal Bank of Scotland Classic credit card offers a fantastic 0% interest-free period on balance transfers for a market-leading 13 months.
The transfer fee is just a smidgen under 3%.
Great for spending
For anyone who doesn't have a balance to transfer, the RBS Classic credit card is also great for spending too.
Offering 0% on purchases for the first 6 months - you won't have to pay any interest on new purchases during this introductory offer.
After the introductory 6 month period, you can still benefit from a 56 day interest-free period on your purchases if you clear your balance in full each month - or a very competitive 12.9% APR for the months you have to roll a balance over.
In it for the long term too...
On top of this great starting offer, in the long run you will also benefit from no annual fees and a number of added extras just for being a Royal Bank of Scotland classic card holder.
What's more, as an RBS credit card customer you'll also be privy to the RBS travel service, offering exclusive discounts on travel and get to enjoy offers from the Royal Bank Wine Club!
Apply for RBS Classic credit card 
| Interest Rates and Fees |
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Notes.. |
| Typical APR |
13.9% APR (variable) |
The typical APR is the rate most people are offered.
|
| Introductory Purchases |
0% for 6 months |
Payments will be applied towards introductory rates first. |
| Balance Transfers |
0% for 13 months |
Must be made within the first 3 months your account is open. Payments are applied towards introductory rates first. |
| Balance Transfer Fee |
2.9%
(£5 minimum) |
Introductory rate balance transfers carry a handling fee. |
| Cash Withdrawal Rate |
24.942% p.a. (variable) |
This is the rate you are charged on balances resulting from using a cash machine, getting cash back at the supermarket or buying foreign money. |
| Cash Withdrawal Fee |
3%
(£3 minimum) |
When you use your credit card to get cash you will be charged a 'handling fee' for doing so. |
| Annual Fee |
£0 |
-
|
| Foreign Transaction Fee |
2.75% |
This is fee you will be charged for credit card transactions made abroad.
|
| Rewards |
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Notes.. |
| Travel Discounts |
Travel discounts when you use your RBS credit card at rbstravelservice.co.uk |
Discounts include an extra 5% off last-minute bargains, extra savings on airport car parking, car hire, airport hotels, and discounts on flights including low cost airlines. |
| Wine Club Offers |
The Royal Bank Wine Club has special offers when you pay with your RBS credit card |
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| Cardholder Services & Extras |
| |
|
Notes.. |
| Online Account Management |
Yes |
You can manage your account online if you have a Royal Bank of Scotland current account and use digital banking. |
| Internet Fraud Guarantee |
Yes |
If your card has been used on the internet without your knowledge or consent, RBS guarantee not to hold you liable for the fraudulent transaction. |
| Travel Accident Insurance |
Up to £50,000 |
Travel accident insurance covers you and your family against death or serious injury when you buy your travel tickets with this card. |
| Other Extras |
RBS secure |
- |
| Optional Extras |
Card Loss Insurance, Price Protection Insurance, Repayment Protection Insurance |
These are extras that you can choose, but you will have to pay for them. |
| Payments & Payment Details |
| |
|
Notes.. |
| Credit Limit |
£300 minimum, £20000 maximum |
Credit limit may vary from person to person and is subject to status. |
| Interest Free Period |
Up to 56 days |
For purchases if you have paid your previous and latest balance in full and on time. there is no interest free period on cash withdrawals, money transfers, or balance transfers not in the introductory period. |
| Minimum Monthly Payment |
2.25%
(£5 minimum) |
The minimum monthly payment is the smallest amount you must pay each month (unless your credit card balance is zero). |
| Allocation of Payments |
Interest, fees, introductory rates, purchases, balance transfers, cash withdrawals, money transfers, cheques |
When you make a payment to this card they will be applied to charges / balances in this order. |
| Default Charges |
£12 |
This is how much you will be charged for late payments (£12), returned payments (£10), if you go over your credit limit (£12). |
| Copy of Statement Fee |
£3 |
This is the fee you will be charged for duplicate statements. |
| Card Details |
| |
|
Notes.. |
| Online Application |
Yes - Instant Decision |
In most cases you'll get an instant decision when you apply online. |
| Card Type |
Classic |
-
|
| Payment Company |
MasterCard |
This is the company who provides the payment technology and infrastructure to allow you to use this credit card. retailers and ATM machines displaying the 'MasterCard' logo will accept this card. |
| Card Issuer |
The Royal Bank of Scotland |
This is the bank behind your credit card. |
| Card Advertiser |
The Royal Bank of Scotland |
This is the company who advertises and promotes this credit card. |
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RBS Classic Credit Card
| Typical APR |
 13.9% APR |
 |
| Intro Purchases |
| 0% for 6 months |
|
| Balance Transfers |
 0% for 13 months
2.9% transfer fee - £5 min |
|
| Rewards |
| Travel discounts |
|
| Interest Free Period |
| Up to 56 days |
|
| Annual Fee |
| £0 |
|
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| You should only apply if you are: |
| • Aged 18 or over |
| • UK resident |
| • Earn at least £10,000 a year |
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More about RBS Classic credit card...
The Royal Bank of Scotland classic credit card really wins points for it's introductory offer boasting 0% interest rates on balance transfers for a market-leading 13 months - and 0% on purchases for 6 months too.
The Royal Bank of Scotland classic credit card doesn't stop here, it also offers some great features to keep you using this card long after the introductory period has ended.
0% balance transfers
The 0% balance transfer interest rate for 13 months allows you to transfer an existing credit card and/or store card balance to the Royal Bank of Scotland Classic credit card and benefit from no interest charges for well over a whole year.
Balance transfers do carry a handling fee; 2.9% of the balance you are transferring. However this handling fee is likely to be small change in comparison to the money you'll be saving on interest charges.
0% purchases
When you take out a Royal Bank of Scotland classic credit card you'll be able to benefit from no interest charges on all your purchases too for the first 6 months your account is open.
It is important to keep in mind that this introduction period does not include cash withdrawals, or purchasing foreign currency or traveller's cheques, so if you have to withdraw cash or buy any foreign currency or traveller's cheques it is best to use your debit card for these transactions, it'll save you a lot of money too!
0% introductory rates don't mean no payments, and they are in dependence that you pay back at least the minimum payment each month, for the Royal Bank of Scotland classic credit card, this will be 2.25% of your total outstanding balance.
Benefits and Features
The Royal Bank of Scotland classic credit card offers many special benefits and financial advantages; including an internet fraud guarantee, online account management, magazine, travel and wine discounts. You can also benefit from up to £50,000 travel accident insurance when you buy your travel tickets with your Royal Bank of Scotland classic credit card.
Royal Bank of Scotland Classic Credit Card Application
You can apply online for the Royal Bank of Scotland classic credit card and receive an instant online decision, making the application process quick and simple. Applying online is also safe because the application forms use encryption methods so that only the Royal Bank of Scotland can read your information.
To be considered for a Royal Bank of Scotland classic credit card you must be UK resident, aged 18 or over and be earning at least £10,000 p.a.
To apply for this credit card click the link below or use the 'apply now' button at the top of this page, you will then be taken to the Royal Bank of Scotland web site where you can apply securely online.
Apply for RBS Classic credit card
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The Royal Bank of Scotland plc
36 St Andrew Square
Edinburgh
EH2 2YB
www.rbs.co.uk
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